Ten Commandments When Buying a Home orApplying for a Mortgage

ABSOLUTELY DO NOT DO ANY OF THESE AFTER GETTING YOUR LOAN APPROVAL

1. Thou shalt NOT change jobs, become self-employed, or quit your job.
2. Thou shalt NOT buy a car, truck, or van (or you may find yourself living in it!).
3. Thou shalt NOT use charge cards excessively or let your accounts fall behind.
4. Thou shalt NOT buy furniture with money set aside for closing.
5. Thou shalt NOT omit debts or liabilities from your loan application.
6. Thou shalt NOT stop paying your rent or current mortgage.
7. Thou shalt NOT originate any inquiries on your credit.
8. Thou shalt NOT make large deposits without first checking with your loan officer.
9. Thou shalt NOT change bank accounts or transfer funds back and forth between
   accounts.
10. Thou shalt NOT co-sign on a loan for anyone.
    Doing any of these will mean losing your loan and/or having to go through the approval
    process over again and this time you will probably need a different bank and you will not
    get the loan you liked the best

.

🏡 HomesinSDCounty: Your Trusted Real Estate Partner—Local Roots, Nationwide Reach

✅ Local expertise in SoCal’s most competitive markets
✅ National reach with trusted referral partners
✅ High-impact marketing and full-service support
✅ No fluff. Just results.

Brad & Karen Mattonen | HomesinSDCounty
California | San Diego | Riverside | Desert Communities
Your Smart Move with Coldwell Banker West
📲 Brad & Karen Mattonen
HomesinSDCounty | Coldwell Banker West
858-518-2875 | www.homesinsdcounty.com
Facebook: facebook.com/NorthCountySDHomeSales
Instagram: @SanDiegoCountyHomes
YouTube: youtube.com/@homesinsdcounty

Your Smart Move—Wherever Life Takes You
Top 5 Real Estate Market Experts in San Diego
Ethical. Compassionate. Relentless. Results-Driven.

What We Specialize In

🔹 Full-Service Experts in Estates, Probate, Pre-Foreclosure & Distressed Properties
🔹 Trusted Advisors in First Time Home Buyers, Luxury Estates, Residential, Investment & Commercial Real Estate
🔹 Strategic Negotiators for Buyers & Sellers in California’s Competitive Market

Why Work With Us?

✔️ We navigate your sale or purchase with precision—prioritizing legal compliance, safety, and protection
✔️ We help you avoid costly missteps others often overlook
✔️ We advocate fiercely to optimize your outcome and safeguard your future
✔️ We don’t do fluff—we deliver results with integrity and strategy

💥 Explore Our Valuable FREE Real Estate Resources

✓ eBooks | ✓ Checklists | ✓ Buying & Selling Guides | ✓ Investor Tools
→ Visit our Resources Page to download now.

🛫 Relocating? Buying, selling, or relocating in San Diego, Riverside, Orange County—or anywhere in the U.S.? We’ve Got You Covered—Nationwide

We’re not just your local experts. and we don’t just work in Southern California—we’re backed by the powerhouse Coldwell Banker National Network and a handpicked team of personally vetted agents across the country. Whether you’re making a move across town or across the country, we ensure a smooth, strategic, and successful experience.

We’ll connect you with an agent we trust—not just someone in the directory.

And hey—just so you don’t forget who to send your referrals to 🤭…
📲 Message us today and let’s make that move happen.

HomesinSDCounty – Your Smart Move. Wherever Life Takes You.

Let’s Make Your Real Estate Goals Happen

Buy or Sell – Our Pledge Is to Make Your Real Estate Dreams Come True
From start to finish, we handle it all—legally, ethically, and relentlessly.

📲 Call or Text Us Today: 858-518-2875
🌐 www.HomesinSDCounty.com

🛠️ Selling Your Home? Ask Us About RealVitalize

If you need to make improvements, repairs, or updates before you sell—but don’t want to pay upfront costs—RealVitalize is your solution.

Coldwell Banker’s RealVitalize program provides:

• ✅ Professional repairs, updates, and home improvement services
• ✅ No upfront out-of-pocket costs, hidden fees, or interest charges
• ✅ Seller pays back only the amount used—at closing
• ✅ Services available before or during your home listing period
• ✅ Designed to highlight your home’s best features and maximize value

We’ll help you prep your home for sale with zero stress and maximum impact.
📲 Contact us today to learn how RealVitalize can work for you.

Protect your home. Protect your tax savings. Protect your family’s future.